Health insurance?

  • by j
  • Feb 09,2018
  • 8 answers

I am a divorced father who carries insurance for my 2 children and myself in Illinois. Recently, I switched jobs to Wisconsin. Their insurance puts me out of network for my kids who live primarily in Illinois with their mother. I called my old jobs agent (our insurance was a group of small businesses that come together to give their employees healthcare, I paid the full portion every month) to ask if I could keep my coverage for Illinois in order to cover my kids while moving to Wisconsin for my new job. He never has a straight answer. How do divorced parents get healthcare coverage for their children who live in another state?


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Insurance Answers (8)

Casey Y 6 months ago

Straight answer from the other agent should have been "sorry, but you aren't my client, your former employer was my client and I'd be glad to entertain inquiries from them." Not trying to be a jerk here, but that's how this "should" have been handled.
You likely need to have them apply for coverage that you pay for. If your policy doesn't apply in Illinois and your divorce decree states you are required to provide medical insurance...your Wisconsin insurance wont work if everything out of state is out of network.
So, you just need to pay for a policy that covers them in their state.

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babyboomer1001 6 months ago

Have your ex take them for necessary medical, dental and vision visits. Since you would be out of network, only use your health in an emergency, when they are with you. If your ex won't agree, go to court and have the court order her to do all of the usual doctor visits - hire a lawyer to get that ordered, if necessary. It can be ordered and it is something that is usually covered in custody papers.

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Insurance Pickle.com 6 months ago

You just need to get them a plan that covers them where they'll be. If your employer doesn't provide that, then don't get it from your employer.
PS Pooling businesses together doesn't save rates

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StephenWeinstein 6 months ago

They usually don't. Insuring ONLY children and no adults in the same state costs more than insuring them with a parent in the same state. Have the parent in the state were the children live insure the kids, with that parent, and you pay for it.

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H. Marie 6 months ago

the company you worked for had group insurance which is at lesser rates for the employees of that company and only available to them as they are employed there, it cannot be moved to another company
you might inquire about Cobra insurance now that you have left that company

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Zarnev 6 months ago

They do not need to be on your policy, and you don't need to keep your old policy just to have them on it. You can purchase and pay for a policy for them without you being on the policy.
You have 60 days from when you lost your previous coverage to purchase them a policy. Speak with a different agent.
EDIT for your comment ▬ All Kids is part of the Illinois Medicaid program and since it is welfare health coverage it is always secondary to any other policy. Being secondary it cannot pay until the primary pays, but if the doctors are not in network the primary won't pay so therefore the secondary won't pay.

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A Hunch 6 months ago

1. Ask your employer how they handle situations where employees lives in IL related to their network They may have something they don't "advertise" to everyone.
-- I work with a company that has a "nationwide" network that's only used when it's needed, additionally, this same company recently established a specific extended network plan for the employees working in WI but living in IL (or other parts of WI).
2. If the employer doesn't offer anything like this follow Zarnev's advice.

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Flower 6 months ago

You or your ex-wife must buy a policy based in Illinois. Drop your children from your employer plan. You should know insurance is local and is not valid inter-state.

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